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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $117,414 | $88,672+32.4% | $105,223+11.6% | $82,448+42.4% |
| Participation rate | 43.3% | 67.9%-24.6pp | 75.0%-31.7pp | 68.1%-24.7pp |
| Annual return | 14.86% | 30.86%-16.0pp | 180.65%-165.8pp | 41.64%-26.8pp |
| Employer contribution / active EE | $0 | $3,048-100.0% | $3,689-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $3,402 | $4,036-15.7% | $5,072-32.9% | $4,139-17.8% |
| Admin fee / account holder | $4,017 | $7,146-43.8% | $8,859-54.7% | $7,234-44.5% |